UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                    FORM 8-K


                                 CURRENT REPORT
     Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934


                                 Date of Report
                        (Date of earliest event reported)
                                February 2, 2006


                            THE COMMERCE GROUP, INC.
                            ------------------------
             (Exact name of registrant as specified in its charter)


 Massachusetts                     001-13672                   04-2599931
 -------------                     ---------                   ----------
(State or other                (Commission File               (IRS Employer
 jurisdiction                       Number)                  Identification
of incorporation)                                                  No.)



    211 Main Street, Webster, Massachusetts                       01570
    (Address of principal executive offices)                   (Zip Code)

Registrant's telephone number, including area code: (508) 943-9000

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2 below):

[  ] Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[  ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17
     CFR 240.14a-12)

[  ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[  ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))



Section 2.  Financial Information

     Item 2.02  Results of Operations and Financial Condition

     The following information is being furnished under Item 2.02 - Results of
Operations and Financial Condition. Such information, including the exhibit
attached hereto, shall not be deemed "filed" for purposes of Section 18 of the
Securities Exchange Act of 1934, as amended, or otherwise subject to the
liability of that section.

     On February 2, 2006, The Commerce Group, Inc. (the "Company") issued a
press release announcing its results for the quarter ended December 31, 2005. A
copy of the press release is attached as Exhibit 99.1 to this Form 8-K.



Section 9.  Financial Statements and Exhibits

     Item 9.01  Financial Statements and Exhibits
      (d)   Exhibits


Exhibit 99.1    Press Release dated February 2, 2006



                                    SIGNATURE


Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                           THE COMMERCE GROUP, INC.
                           February 2, 2006




                           /s/ Randall V. Becker
                           ---------------------
                           Randall V. Becker
                           Treasurer and Chief Accounting Officer